ComplaintsforNew Jersey Manufacturers Insurance Company

• Initial Complaint

  05/29/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  On May 25 2024 I was issued a ticket from a cop for having a suspended car registration due to not having insurance. My insurance company NJM was closed til May 28. I called them May 28 several times and received various answers as to why they did not notify the *** that I have insurance with them. My coverage started this February with them. One rep told me that during that time there was a 'glitch' in their system and *** was not notified that I have insurance. Another rep said there was a glitch in the system but my account did make it to *** to notify them that I have coverage. I have to go to court,there's no option of just paying the ticket. I do not know how much it will cost in court. It is 100 dollars to reinstate my registration. NJM is saying it is not their responsibility to pay any of it.

  Business response

  05/29/2024

  Thank you for forwarding this correspondence to our office, and we welcome the opportunity to address any questions. Due to policyholder privacy concerns, we are not able to provide specific details to be posted for public view. Accordingly, we will respond directly to the person from who the BBB received this correspondence within 10 business days.

• Initial Complaint

  05/14/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I tried to cancel my insurance and obtain a prorated refund. They would not allow it.

  Business response

  05/15/2024

  Thank you for forwarding this correspondence to our office, and we welcome the opportunity to address any questions. Due to policyholder privacy concerns, we are not able to provide specific details to be posted for public view. Accordingly, we will respond directly to the person from who the BBB received this correspondence within 10 business days.

• Initial Complaint

  05/09/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Unresolved

  More info

  My auto insurance policy was cancelled on May 9, 2024, is when I noticed it on my account. It was cancelled for non-payment on May 1, 2024. I had a devasting house fire on April 30, 2024, which I lost my sister in. So, forgive me if my priority wasn't the auto insurance. I need to provide a place to live until the homeowner's insurance waits on an arson investigation. I spoke with a customer care agent and explained my devasting situation. There is absolutely nothing they can do, because I can't pay $759.00. So, not only do I have no home, lost my sister and now my and my son's car sits in a hotel parking lot, because your company won't do anything. I know it was supposed to be cancelled May 1, 2024. A payment was submitted, but unfortunately THE **** HAPPENED. Your company has no compassion for anybody. It should not matter if I had the policy for less than a year. I was still a paying customer. I pray that you never have to go through what I have been through, and if you do I hope you don't have to deal with a company as heartless as yours.

  Business response

  05/20/2024

  Thank you for forwarding this correspondence to our office. We have reviewed our files and have no record of receiving this complaint until today.  We welcome the opportunity to address any questions. Due to policyholder privacy concerns, we are not able to provide specific details to be posted for public view.Accordingly, we will respond directly to the person from who the BBB received this correspondence within 10 business days.

  Customer response

  05/20/2024

  
  Complaint: 21690934
  
  I am rejecting this response because:
  
  This is not the first time the company has heard about this.  I have spoke to customer service and explained my situation and they rejected it.  It did not matter to them what was happening.  All they wanted was the money.  Again I had a house fire and lost my sister.  2 cars are sitting at a hotel because of no auto insurance because NJM said without the payment it stays canceled.  I even said I have to pay for a hotel for my family to live because the homeowners insurance is waiting on the report making sure it wasnt arson.  I asked about hardship and she said no.  Her response was better get auto insurance fast.  Really thats was the company response.  Im paying for a  hotel and now Ubers to be able to get to work for myself and my son.  NJM knew and didnt even make a note on my account.  Everything happened on April 30th.  I lost insurance on May 1st but was never notified until May 8 or 9 and I was looking to add renters insurance on my account and thats when I saw it.  I just received the notice in the mail last Thursday.  This is how I have been treated 
  
  Regards,
  
  *************************

• Initial Complaint

  02/26/2024

  Complaint Type:

  Billing Issues

  Status:

  Unresolved

  More info

  My premium last year for Home Owners Insurance was approximately *******. I opened my bill for this year and there was an increase of *******. Seriously?? 1400 to 2500. I called customer service and I was told that the increase was due to my putting in a claim for water damage in August of 2023. This is true. I did put in a claim however at the time I was told that putting in a claim would not effect my insurance premium. I spoke to NJM about this and I got nowhere. They sent me to ******************************* who couldn't help me at all since he was the claims **** and has nothing to do with underwriting and premiums. What am I paying for? The claim was not a large claim. It was for ****** of which ***** was not paid out due to deductibles. NJM paid a little over 7K and now they are charging me an add'l 1K a year? I have been a customer of NJM for over 30 years. I have put in for maybe 3 to 4 claims over that time spam . I was lied to "no, the claim will not impact your premium, it might go up the standard 6 to 8 % but it won't go up due to the claim. Can insurance companies really get away with this? I immediately tried to get prices from other insurance companies and I've been turned down because of this recent claim. NJM should not be charging me this penalty because I actually used my insurance that I paid for. The Home Owner policy is H 266582-6. I am more that happy to pay an increase of 5 to 6 % but not 1100 additional for the year. Are they loan sharks? I also have auto insurance with them. Come on.......30+ yr customer.

  Business response

  02/27/2024

  Thank you for forwarding this correspondence to our office, and we welcome the opportunity to address any questions. Due to policyholder privacy concerns, we are not able to provide specific details to be posted for public view. Accordingly, we will respond directly to the person from who the BBB received this correspondence within 10 business days.

  Customer response

  02/27/2024

  
  Complaint: 21350818
  
  I am rejecting this response because:
  

  I do not want the case closed if I accept response so rejecting it is the only recourse.  Once I hear from ** Manufacture's and we reach a satisfactory conclusion I will accept. 
  
  
  Regards,
  
  *************************

• Initial Complaint

  02/16/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I signed with NJM for my car insurance, sometime last year, I did it over the phone not online. fill payment was made for the year over the phone. I recently received a bill of $9 for installment payment, I called the company and the payment was for not signing up to paperless, first thing is I did this over the phone not online, and at the time, I believe I said yes to paperless, I was told yesterday Feb 15,2024 that it is for paper sent out, I said I received no paper, and a rep and supervisor tell me its for future paper mailings and because I didny click a box, once again all was done over the phone, now they tell me I have to go create an account and change to paperless. I told them I do not even know how to create accounts I am over 57 years old, and all I do is text and email and phone, She told me well too bad that is the only way it is done. Can they tell me that there is no other option for older people who dont know how to do accounts online or maybe people who do not have a cpomputer. Can you help resove this. It is on $9, but is this their policy can they not resolve over the phone.

  Business response

  02/20/2024

  Thank you for forwarding this correspondence to our office, and we welcome the opportunity to address any questions. Due to policyholder privacy concerns, we are not able to provide specific details to be posted for public view. Accordingly, we will respond directly to the person from who the BBB received this correspondence within 10 business days.

  Customer response

  02/20/2024

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Regards,
  ***** ******

• Initial Complaint

  01/28/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  Following my car's repair we had the following issues: no caps on the tire gauges, AC not working, Right Front tire faulty gauge, and rear defroster not working* ******** (NJM-approved autobody shop) took the car back to repair these issues, but denied any issues with the rear defroster as related to the accident or repair process (they must have played around as it did work afterwords). A few days after receiving the car back, I noticed no caps on the AC ducts. These were replaced after 2 weeks of phone calls, last one by NJM. Now, several months later, I notice a 6th issue - the right front bumper clip is detached and its attachment to the fender liner is snapped. This could easily be due to alignment issues due to the accident that were not properly repaired. ********* denies any relevance to the repair, however, no other source for damage occurred in the interim and in all the years I've had the car, I've never once had this issue. However, there was direct damage to that area of the car (the front right was smashed and the bumper ripped off). I would not have been able to notice a poor repair on this immediately as the tension of the bumper on the fender liner would cause strain over time until it would snap off. I am confident if a new fender liner were to be placed, I would have the same issue within a few months because this is an issue with the frame that was not properly realigned. It would be embarrassing to ******** to have a 6th issue after a "repair." What I want from NJM: 1. An NJM appraiser to assess the damage 2. To have the car fixed at another shop that does not make so many mistakes 3. Rental car coverage for the repair 4. An apology for attitude towards me from the adjuster who blamed us for the accident and from her supervisor who instead of calling me back after 2 phone calls called straight to my voicemail (probably dialed # to bypass a ring) and was very dismissive. This unprofessional and NOT what I would expect from NJM.

  Business response

  01/29/2024

  Thank you for forwarding this correspondence to our office, and we welcome the opportunity to address any questions. Due to policyholder privacy concerns, we are not able to provide specific details to be posted for public view. Accordingly, we will respond directly to the person from who the BBB received this correspondence within 10 business days.

• Initial Complaint

  12/16/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I am moving from one apartment to another, and have setup a new renter's insurance policy on my new apartment through NJM. I have requested a certificate of insurance to provide to my future landlord, but NJM has entered my landlords address incorrectly twice. The first time, they entered the zip code incorrectly, and the second time they entered the city incorrectly. For a company that's entire business is insuring properties and vehicles, I'm amazed that they can repeatedly enter the wrong address on an insurance form. Web Transaction Reference Number 1: ************ Web Transaction Reference Number 2: ************

  Business response

  12/18/2023

  Thank you for forwarding this correspondence to our office, and we welcome the opportunity to address any questions. Due to policyholder privacy concerns, we are not able to provide specific details to be posted for public view. Accordingly, we will respond directly to the person from who the BBB received this correspondence within 10 business days.

• Initial Complaint

  11/30/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Unresolved

  More info

  After one of they're customer hit my semi truck they refused to pay Not for repair Not for rental Not for truck lease Not for wedges lost I provide them with everything they asked and still refuse to pay I guess ill have to take it to court and *** them and the client Be aware of those scammers thieves

  Business response

  12/01/2023

  Thank you for forwarding this correspondence to our office, and we welcome the opportunity to address any questions. Due to policyholder privacy concerns, we are not able to provide specific details to be posted for public view. Accordingly, we will respond directly to the person from who the BBB received this correspondence within 10 business days.

  Customer response

  12/01/2023

  
  Complaint: 20938708
  
  I am rejecting this response because:
  
  I been corresponded with ************************* for 2 months now 

  I sent everything he asked for and still you refuse to pay 

  I want this to be public for everyone to see the business you run and to run away from you 

  il will take all the necessary steps to make sure everyone can see 
  
  Regards,
  
  *******************

• Initial Complaint

  11/27/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  In August, NJM turned off my auto-debit that paid my bills via credit card. They then canceled my insurance in October due to non-payment without notifying me in between.

  Business response

  11/28/2023

  Thank you for forwarding this correspondence to our office, and we welcome the opportunity to address any questions. Due to policyholder privacy concerns, we are not able to provide specific details to be posted for public view. Accordingly, we will respond directly to the person from who the BBB received this correspondence within 10 business days

• Initial Complaint

  11/21/2023

  Complaint Type:

  Order Issues

  Status:

  Unresolved

  More info

  Regarding my claim filed with NJM from tornado damage on 8/24/23, my chimney was affected along with withering through the years. I've asked for the chimney to be included in my claim due to excessive mortar coming off and falling on *******. The chipping was becoming excessive so I went ahead and paid $450 for tuckpointing of the chimney, now NJM won't included the $450 paid toward my deductible because their argument is that the chimney deteriorated through wear and tear but I've countered reminding them that the tornado exacerbated the gradual damage to the chimney where I would not have had to tend to it this soon. I would like the $450 paid counted toward my $1000 deductible.

  Business response

  11/21/2023

  Thank you for forwarding this correspondence to our office, and we welcome the opportunity to address any questions. Due to policyholder privacy concerns, we are not able to provide specific details to be posted for public view. Accordingly, we will respond directly to the person from who the BBB received this correspondence within 10 business days

  Customer response

  11/25/2023

  
  Complaint: 20898873
  
  I am rejecting this response because:
  I am waiting to hear from the company regarding that the $450 be applied to my deductible.
  
  
  Regards,
  
  *********************

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩